For more information, contact: Robert Luck, Consumer Attorney,
Phone: (608) 266-0082,
E-mail: robert.luck@wisconsin.gov

Madison, WIOCI has taken the following administrative actions. In many of these cases the respondent denied the allegations but consented to the action taken. Any forfeitures paid in these administrative actions are deposited in the Common School Fund which is administered by the Board of Commissioners of Public Lands. The earnings from this fund are distributed to all public K-12 schools in Wisconsin and are used by school libraries to purchase books. Copies of the administrative action orders may be viewed online at https://ociaccess.oci.wi.gov/OrderInfo/OrdInfo.oci.

OCI is responsible for overseeing the operations and marketing of insurance companies and agents in Wisconsin. OCI encourages anyone with a question or a complaint regarding an insurance company or agent to contact the office at this toll-free telephone number: 1-800-236-8517.

Allegations and Actions Against Agents

Trina T. Cole, 6257 West Port Ave., Milwaukee, WI 53223, had her insurance license revoked. This action was taken based on allegations of failing to pay Wisconsin delinquent taxes due.

Patrick A. Dewane, Jr., 2125 Hwy. Q, Manitowoc, WI 54220, had his insurance license revoked. This action was taken based on allegations of failing to pay Wisconsin delinquent taxes due.

Kenneth Eggleston, 571 Heyburn Ave. W., Twin Falls, ID 83301, had his application for an insurance license denied. This action was taken based on allegations of an administrative action taken by the state of Idaho Board of Nursing.

Jay S. Fischer, 1405 N. 77th Ave., Wausau, WI 54401, had his insurance license revoked. This action was taken based on allegations of failing to pay Wisconsin delinquent taxes due.

Melinda Flores, 451 Fourth Ave. E., Twin Falls, ID 83301, had her application for an insurance license denied. This action was taken based on allegations of a pending criminal charge which may be substantially related to insurance marketing type conduct.

Flor Gaytan, 2925 W. Hayes Ave., Milwaukee, WI 53215, had her application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI.

Kristie J. Kapke, 9313 W. Hayes Ave., Milwaukee, WI 53227, had her application for an insurance license denied for 31 days. This action was taken based on allegations of failing to disclose a previous criminal conviction on a licensing application.

Jeffrey A. Keinert, 3815 N. Brookfield Rd. #104-101, Brookfield, WI 53045, had his insurance license revoked. This action was taken based on allegations of failing to pay Wisconsin delinquent taxes due.

Charles R. Kranzusch, 7089 Birchstone Ln., Egg Harbor, WI 54209, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to report an administrative action taken by the state of Wisconsin on a licensing application.

Mario Martinez, 919 Crab Tree Ln., Racine, WI 53406, had his insurance license revoked. This action was taken based on allegations of failing to pay Wisconsin delinquent taxes due.

Clifford D. Maulsby, 3319 State Highway 17, Conover, WI 54519, had his insurance license revoked. This action was taken based on allegations of failing to pay Wisconsin delinquent taxes due.

Brent E. Meinen, W200N10312 Appleton Ave., Germantown, WI 53022, had his insurance license revoked. This action was taken based on allegations of failing to pay Wisconsin delinquent taxes due.

Bryan V. Niederwerfer, 2003 Atwood Ave., Madison, WI 53704, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to disclose a criminal conviction on a licensing application.

Chesirae Ann Odion, 30 W. Carter Dr., Apt. 7105, Tempe, AZ 85282, had her application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI and a criminal conviction which may be substantially related to insurance marketing type conduct.

Keith J. Oudenhoven, 304 S. Linda St., Kimberly, WI 54136, had his application for an insurance license denied. This action was taken based on allegations of a criminal conviction which may be substantially related to insurance marketing type conduct; an administrative action taken by the state of Wisconsin, Department of Regulation and Licensing; and failure to respond to OCI requests for information.

Michael T. Philbin, 3033 Sonoran Ct., Green Bay, WI 54313, had his application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI and a criminal conviction which may be substantially related to insurance marketing type conduct.

Jill A. Reichhoff, 1820 Oak St. Apt. 4, Wisconsin Rapids, WI 54494, had her application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI, a criminal conviction substantially related to insurance marketing type activities, and an administrative action taken by the state of Wisconsin, Department of Regulation and Licensing, Board of Nursing.

Teena Marie Ruehl, 503 Falcon Cir., Monona, WI 53716, had her insurance license revoked. This action was taken based on allegations of failing to pay Wisconsin delinquent taxes due.

Alois Rybicki, Jr., 202 Politos Way, Amherst, WI 54406, had his insurance license revoked. This action was taken based on allegations of failing to pay Wisconsin delinquent taxes due.

Kimberly Ann Smallwood, 1390 Kristina Ct., Scottsburg, IN 47170, had her application for an insurance license denied. This action was taken based on allegations of an administrative action taken by the state of Indiana.

Steve J. Tischer, N128W17416 Holy Hill Rd., Germantown, WI 53022, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to disclose a criminal conviction on a licensing application.

Casey J. Tomten, 750 N. Third St. Ste. A, La Crosse, WI 53601, had his application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI.

Mary Jo White, 7250 N. Keystone Ave., Lincolnwood, IL 60712, had her insurance license revoked. This action was taken based on allegations of failing to pay Wisconsin delinquent taxes due.

Chad Jonas Willyard, 5231 Clover Mist Dr., Apollo Beach, FL 33572, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to report an administrative action taken by the state of Florida on a licensing application.

Chor Yang, 411 Bram St., Madison, WI 53713, had his insurance license revoked. This action was taken based on allegations of failing to pay Wisconsin delinquent taxes due.

Allegations and Actions Against Companies

Amerisure Mutual Insurance Company, 26777 Halsted Rd., Farmington Hills, MI 48331, was ordered to pay a forfeiture of $1,500.00 and to cease and desist from distributing dividends from surplus prior to filing the board of director's dividend declarations and schedules with OCI. This action was taken based on allegations of failure to file dividend declarations prior to distribution.

Associated Indemnity Corporation, 777 San Marin Dr., Novato, CA 94998, was ordered to pay a forfeiture of $3,000.00, to cease and desist distributing dividends from surplus prior to filing the board of director's dividend declarations and schedules with OCI, and to cease and desist making dividend distributions contingent on premium payment or policy continuation. These actions were taken based on allegations of failing to file the board of director's declarations and schedules prior to distribution.

Auto-Owners Insurance Company, 6101 Anacapri Blvd., Lansing, MI 48917, was ordered to pay a forfeiture of $1,500.00 and to cease and desist from using unapproved worker's compensation forms. These actions were taken based on allegations of using unapproved policy forms.

Bituminous Fire and Marine Insurance Company, 320 18th St., Rock Island, IL 61201, was ordered to pay a forfeiture of $1,000.00 and to cease and desist from distributing dividends from surplus prior to filing the board of director's dividend declarations and schedules with OCI. These actions were taken based on allegations of failing to file dividend declarations prior to distribution.

Fireman's Fund Insurance Company, 777 San Marin Dr., Novato, CA 94998, was ordered to pay a forfeiture of $2,500.00, to cease and desist distributing dividends from surplus prior to filing the board of director's dividend declarations and schedules with OCI, and to cease and desist making dividend distributions contingent on premium payment or policy continuation. These actions were taken based on allegations of failure to file dividend declarations and schedules prior to distribution.

Henrietta, Greenwood & Union Mutual Fire Insurance Company, E237 Cty. Hwy. EE, Wonewoc, WI 53968, was ordered to pay a forfeiture of $750.00. This action was taken based on allegations of failing to comply with previous examination orders.

IMT Insurance Company, 4445 Corporate Dr., West Des Moines, IA 50266, was ordered to pay a forfeiture of $3,500.00, to cease and desist distributing dividends from surplus prior to filing the board of director's dividend declarations and schedules with OCI, and to cease and desist making dividend distributions contingent on the payment of premium or policy continuation. These actions were taken based on allegations of failing to file dividend declarations prior to distribution.

Milwaukee Casualty Insurance Company, 400 S. Executive Dr. Ste. 200, Brookfield, WI 53005, was ordered to pay a forfeiture of $2,000.00, was ordered to cease and desist making dividend distributions contingent on the premium payment or policy continuation, and agreed to calculate and pay qualifying dividends. These actions were taken based on allegations of making dividends contingent on the continuation of policies or payment of premiums.

Owners Insurance Company, 2325 N. Cole St., Lima, OH 45801, was ordered to pay a forfeiture of $1,000.00 and to cease and desist using unapproved worker's compensation forms. These actions were taken based on allegations of using unapproved policy forms.

Sentry Insurance A Mutual Company, 1800 N. Point Dr., Stevens Point, WI 54481, was ordered to pay a forfeiture of $1,500.00 and was ordered to cease and desist from distributing dividends from surplus prior to filing the board of director's dividend declarations with OCI. These actions were taken based on allegations of failing to file dividend declarations prior to distribution.

True-Course Aviation Insurance Services, Inc., 1250 Aviation Ave. Ste. 250C, San Jose, CA 95110, had its application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI.

Warranty Acceptance Corporation, One Warranty Plz., 4400 Government Blvd., Mobile, AL 36693, was ordered to pay a forfeiture of $2,500.00 and to file all forms with OCI for approval prior to selling contracts in Wisconsin. These actions were based on allegations of failing to respond promptly to inquiries from OCI and using unapproved policy forms.

Western National Mutual Insurance Company, P.O. Box 1463, Minneapolis, MN 55439, was ordered to pay a forfeiture of $500.00 and was ordered to cease and desist issuing renewal notices that fail to comply with the requirements of s. 631.36 (5), Wis. Stat. These actions were taken based on allegations of sending a renewal notice with altered terms without disclosing the exact renewal premium or a good faith estimate of the renewal premium.

Copies of Administrative Actions